SP CAPITAL
How do you finance the next stage of business growth?
Business financing does not start with choosing a bank or a financial product. It starts with understanding the business, its performance, risks, goals and next stage of development.
We work on the side of the business, not the financial product.
Discuss your situation01 / SITUATION
When a business needs capital
- Funding for business growth or working capital.
- A major investment programme or an asset purchase.
- A bank guarantee for a contract, tender or performance obligations.
- Debt refinancing: the current credit structure has become too costly or inflexible.
- Subsidised funding or financing for export and import operations.
- Bank financing is no longer enough: an investor or access to capital markets is needed.
- A clear view of how to finance the business over the next few years.
SP defines the task first. Only then do we select the financial instrument.
02 / SP Capital Underwriting
First, understand the business
A comprehensive company analysis before designing its capital structure.
Business economics
Financial statements, revenue structure and quality, profitability, cash flows and growth dynamics.
Obligations and resources
Debt, loans, guarantees, working capital, receivables and payables, collateral and credit history.
Context and the next stage
Ownership structure, industry risks, investment programmes, export and import operations, current and future business needs.
The right capital structure starts with understanding the business.
03 / SP Capital Map
A capital map built around your business
Not a list of financial products. A connection between business needs, financing terms and the changes that can broaden the available options.
- Business economics
- Obligations and resources
- Goals and constraints
SHORT-TERM NEEDS AND LONG-TERM PARTNERSHIP
Planning horizons, not project delivery timelines
- Nowshort-term needs
CAPITAL / OPTIONS
What is available now?
What amount of capital is realistic? Which instruments fit the cost, term and risk requirements?
Analysis outputCurrent financing options
- Choiceshort-term needs
CAPITAL / TERMS
What actually fits?
What is available but unattractive? What is not yet accessible, and which constraints prevent access?
Analysis outputConstraints and selection criteria
- Developlong-term partnership
PARTNERSHIP / PREPARATION
What needs to change?
Which business indicators need to improve to broaden access to capital?
Analysis outputCompany preparation priorities
- Growlong-term partnership
PARTNERSHIP / SCENARIOS
How might the structure evolve?
Which capital sources could support business scaling and growth in company value?
Analysis outputFuture capital structure scenarios
What to raise. How much. When. In what sequence.
The map combines short-term capital needs with long-term partnership planning for business scaling and growth in company value. These are not project stages with fixed durations. Timing and financing availability depend on company analysis; the map is not a financing forecast or guarantee.
04 / SP Capital Roadmap
From map to action
After Capital Map, SP develops Capital Roadmap: what to raise, how much, when and in what sequence.
Structure
Instruments, amounts, terms and the sequence of capital raising.
Preparation
What to prepare and which indicators to improve.
Negotiation
Who to negotiate with and which offers to compare.
Action
Which actions belong to the company and which to SP.
The client receives a concrete route to capital, not a list of possibilities.
05 / FINANCING
Arranging financing
Prepare the company, select capital sources, obtain and compare offers, negotiate, structure terms and support the transaction through to completion.
Bank financing
Loans for growth, working capital, investment, refinancing and other business needs.
Bank guarantees
Instruments for contracts, performance obligations, procurement and other business needs.
Leasing
Financing for equipment, vehicles, machinery, property and other fixed assets.
Factoring
Financing for working capital and accounts receivable.
Preferential and subsidised financing
Identifying and structuring available government support programmes, subsidised loans and development finance instruments.
Export and import financing
Financing for international trade contracts, deliveries, purchases and settlements. Documentary and other trade finance instruments where appropriate.
Project finance
Financing investment projects based on their economics and future cash flows.
Bonds and capital markets
For companies whose scale and business quality support more diversified funding sources.
Digital financial assets
An additional channel for raising capital where economically justified.
Investors
Financial and strategic investors.
Combined structures
Several financial instruments together when this serves the interests of the business.
The instrument serves the task. Not the other way round.
06 / SP Capital Office
When capital requires ongoing management
SP can act as an external adviser on capital and financing: additional sources and resources, refinancing, bank limits, guarantee facilities, leasing, foreign trade, subsidised programmes and investor relationships.
SP does not replace the finance function. SP strengthens it.